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First Credit Card

I'm in my late 20s with a credit score of 680. I'm looking to get my first credit card, one with cash back rewards.

Q: I'm in my late 20s, with a credit score of 680. I'm looking to get my first credit card to increase my credit score, and I'm interested in cash back rewards. What's recommended? A: You've made it this far without a credit card, but your good credit score indicates you must have at least a [...]

I want to apply for my first credit card but I'm not sure where to start or what to look for.

When seeking your first credit card, start by comparison shopping for the best deals available and keep three things in mind: how you will use the card, the fees and rates charged, and the potential benefits you can get from the credit card. CardRatings.com is an excellent resource for you to compare the available offers for [...]

I have no credit and I’m paying a student loan. Is a credit card a good idea?

Repaying a student loan means you do have some credit, but getting a credit card is also a good idea if you are looking to either improve your credit score or better establish your credit rating. According to Fair Isaac, the company that created the FICO credit score, 10 percent of your credit score is based [...]

I have never had a credit card, and I don't know what my credit score is. What's the best credit card I can get?

That depends. Assuming you're gainfully employed, but you're young and don't have a long history of credit -- you don't own a house and haven't paid off a car -- then your best bet is to look for a credit card that is aimed at people with a limited credit history. If you are older and [...]

What credit card should my son get when he leaves home?

Question: Our son is leaving home and moving into an apartment. He has a part-time job. What credit card would be best for a young man to help build good credit? Answer: Great question. There are a lot of good credit cards out there that would be ideal to help any young adult build credit. The [...]

I want to apply for my first credit card. What should I look for?

Question: I want to apply for my first credit card. What should I look for? Answer: First of all check your credit report and score from annualreport.com. This is the only source for getting a free credit report, and you can get one from each of the three credit bureaus once per year. Check your report [...]

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